What Is a Judgment Against You?

A judgment against a person is when a judge orders that a one party owes another party a sum of money. A judgment can be given from a company, a creditor or an individual.

In order for a judgment to be valid, the party who is seeking the sum of money from the individual must file a complaint with a local court. The complaint must be taken to court where the lawsuit will be filed. After a lawsuit has been filed, the court will issue a summons for the defending individual. The individual will have the opportunity to show up at court for the case or fight the case because they do not believe they owe the plaintiff money. The court will only be able to issue a judgment against a person after the defendant has given his or her side of the story. The judge is able to decide in the favor of the plaintiff, in which the defendant would have a judgment issued against them and would have to pay the sum of money. The judge can also decide in favor of the defendant, in which the sum of money would not have to be paid. In these cases, the plaintiff is often responsible for the fees associated with the court hearings.